The European Banking Authority (EBA) has published a report on the impact of fintech on the business models of payment institutions (PIs) and electronic money institutions (EMIs). The report focuses on the current trends and drivers of PIs' and EMIs' business models, their approach to fintech and their interaction with bigtech firms, and the level of implementation of innovative technologies.
The aim of the report, which is based on data collected by the EBA through its engagement with the supervisory community and the industry, is to share knowledge for the better understanding of ongoing changes, provide support to supervisors and other stakeholders and raise awareness of the main trends affecting business models.
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